What is Stem's provision for credit losses?

Stem (STEM) reported provision for credit losses of $0 in Q1 2026.

How has Stem's provision for credit losses changed year-over-year?

Stem's provision for credit losses decreased by 100.0% year-over-year, from $78K to $0.

What does provision for credit losses mean?

Non-cash provision for expected loan losses, added back in operating cash flow since it's a reserve build, not a cash payment.

Stem STEM Provision for Credit Losses

Provision for Credit Losses at other companies

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$195K-88.3%

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Other financials

Income statement

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Revenue$29.0M-10.8%

Gross profit$10.9M+3.0%

Operating income-$14.2M+32.8%

Net income-$18.9M+24.3%

EPS (diluted)-$2.22+27.2%

Balance sheet

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Cash & equivalents$38.4M-36.4%

Total debt$11.0M-12.2%

Total equity-$266.3M+36.2%

Total assets$281.9M-30.4%

Cash flow

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Operating cash flow-$8.3M-197%

CapEx-—

Free cash flow-$8.3M-197%

Valuation

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Market cap$69.95M+26.0%

Enterprise value$42.58M+72.6%

P/E0.5×—

P/S0.5×+0.1×

Profitability

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Gross margin39.5%+23.8pp

Operating margin-31.9%-15.5pp

Net margin62.2%+33.8pp

FCF margin-6.5%-2.6pp

Returns & leverage

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Return on equity-37.8%+35.1pp

Debt / equity0×0.0×

Current ratio0.8×-0.1×

Where this comes from

Reported directly by Stem in its filing.

Tagged under the XBRL concept us-gaap:ProvisionForDoubtfulAccounts.

The official record: Stem’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Stem's provision for credit losses?: Stem (STEM) reported provision for credit losses of $0 in Q1 2026.
How has Stem's provision for credit losses changed year-over-year?: Stem's provision for credit losses decreased by 100.0% year-over-year, from $78K to $0.
What does provision for credit losses mean?: Non-cash provision for expected loan losses, added back in operating cash flow since it's a reserve build, not a cash payment.